Call reports 2002
HERITAGE BANK, THE — 2002
What HERITAGE BANK, THE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 226,329,000 | 223,353,000 | 225,470,000 | 230,854,000 |
| Total loans | 128,651,000 | 130,291,000 | 135,369,000 | 131,090,000 |
| Allowance for loan losses | 2,334,000 | 2,429,000 | 2,236,000 | 2,150,000 |
| Securities available for sale | 44,563,000 | 47,500,000 | 44,469,000 | 47,593,000 |
| Securities held to maturity | 10,251,000 | 10,225,000 | 10,108,000 | 10,081,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 196,050,000 | 191,136,000 | 191,345,000 | 197,169,000 |
| Interest-bearing deposits | 158,254,000 | 154,119,000 | 154,526,000 | 159,401,000 |
| Noninterest-bearing deposits | 37,795,000 | 37,017,000 | 36,819,000 | 37,768,000 |
| Equity capital | 27,506,000 | 29,374,000 | 30,174,000 | 29,984,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 3,378,000 | 6,737,000 | 10,152,000 | 13,487,000 |
| Interest expense | 1,030,000 | 1,959,000 | 2,835,000 | 3,682,000 |
| Net interest income | 2,348,000 | 4,778,000 | 7,317,000 | 9,805,000 |
| Noninterest income | 2,145,000 | 4,807,000 | 7,487,000 | 10,944,000 |
| Noninterest expense | 3,358,000 | 6,291,000 | 11,106,000 | 14,790,000 |
| Provision for loan losses | 369,000 | 742,000 | 419,000 | 692,000 |
| Pretax income | 766,000 | 2,552,000 | 3,279,000 | 5,267,000 |
| Income tax | 184,000 | 627,000 | 819,000 | 1,309,000 |
| Net income | 582,000 | 1,925,000 | 2,460,000 | 3,958,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,148,000 | 25,565,000 | 26,174,000 | 26,279,000 |
| Total capital | 26,118,000 | 27,525,000 | 28,226,000 | 28,269,000 |
| Risk-weighted assets | 157,233,000 | 156,344,000 | 164,006,000 | 159,000,000 |